Best consumer financing providers for contractors
Consumer financing turns a $12,000 replacement into a monthly payment, and the provider's fee comes out of the contractor's margin. The split on this page is between flat merchant fees that integrate with scheduling platforms and bank or dealer-fee lenders where the promotional rate is paid for by the contractor. The fee structure matters more than the brand.
7 consumer financing providers serve home service contractors. The editor's pick is Wisetack. One publishes a starting price: $125 a month. 1 integrates with Jobber, 1 integrates with Housecall Pro and 1 integrates with Workiz.
Tools 7editor's picks, then published prices
3.9% flat merchant fee; 5.5% on 24-month 0% promos; $500-$25k loans; 17+ FSM integrations
$1,499/yr Essentials plus $99 setup; multi-lender marketplace; no dealer fees
Dealer fee quoted per merchant; owned by InterVest since 2022
Point-of-sale lending strong in solar and efficiency upgrades
Dealer fees 0.99%-15%; owned by Sixth Street-led consortium since 2024
Dealer-based home improvement lending; Truist subsidiary
Card-based consumer financing widely used by HVAC dealers
How this list is built. Every listing names home service trades as a market and sits in the consumer financing category. Order is editor's pick, then explicit trade coverage, then a published price, then name. Nobody pays to appear or to rank. The publisher's own product is labelled and gets no adjustment. Full methodology.
Questions contractors ask
What does consumer financing do for a contractor?
It covers the job of finance jobs. The 7 tools here are the ones that name home service trades as a market; general business software is left out unless contractors are a stated vertical.
How are these consumer financing providers ordered?
Editor's picks first, then tools that name the trade explicitly, then tools with a published price, then alphabetically. No vendor pays for a position. The publisher's own product follows the same rule with no bonus.